Never wonder which card to tap again.
Tell us which credit cards you have, how you spend, and whether you’re chasing miles or cashback. WhichCardLah builds your personal spending guide — telling you exactly which card to use, when to switch, and what traps to avoid.
No sponsored rankings. No confusing reward tables. Just recommendations based on your wallet.
All three charge ~3.25% FX. Use a no-FX card instead; no earn rate closes that gap.
Most sites compare cards. We optimize yours.
Comparison sites can tell you which cards offer 4 mpd or 8% cashback. That doesn't answer the question you actually have at the checkout: which of my cards should I use right now?
“Card X earns up to 4 mpd.”
True, and almost useless standing at a payment terminal.
“Use Card X for dining until S$1,000 this month. Then switch to Card Y. Don’t use either overseas because of the FX fee.”
Built from your cards, your spending, your bank balances and the programme you actually collect.
Your wallet, optimized in minutes.
Tell us what you have
Choose your cards and describe your typical month.
- Cards you hold
- Bank balances
- Monthly spend
- Miles or cashback
- Preferred programme
Get your routing table
Exactly what to use for each kind of spend.
- Dining, groceries, online
- Travel, transport, bills
- Monthly caps & minimums
- Exclusions & FX fees
- Where overflow should go
Ask anything
Once your wallet is set up, interrogate it.
- “Should I add the UOB Solitaire?”
- “What if I move S$50k?”
- “Is PRVI worth keeping?”
- “Which card in Japan?”
- “I’m buying a S$3,800 MacBook.”
Know exactly what to tap.
Every category, the card to use, what it earns, where the cap sits and what to switch to once it fills.
See what your wallet is leaving on the table.
Not just which card to tap — where the gaps are, and what closing them would be worth.
Your current cards capture most of the rewards available from your stated spending.
Your dining spend would earn 6 mpd instead of 1.4.
Deposit-gated tiers lift the rate on a card you already hold.
Its bonus categories overlap with cards you use more.
Estimates based on the spending you tell us and current card rules. Not a guarantee of returns.
Your credit card strategy isn't static.
Your spending changes. Bank rules change. New cards launch. Instead of rebuilding a spreadsheet every time, just ask.
Put it on the card whose online bonus bucket still has room — the first S$1,000 earns the bonus rate, and the rest overflows to your uncapped card.
Eligibility depends on the transaction category and your card’s current terms.
Here’s your Japan setup:
- Shopping & diningYour no-FX card
- Hotels booked directYour best hotel-category card
- General overseas spendWhichever card charges no FX fee
Avoid: every Singapore card in your wallet charges ~3.25% on foreign currency. That beats any earn rate they offer.
Illustrative examples. In the product, every figure is computed from your own wallet and the card rules in our database.
Everything the comparison tables leave out.
Personalized routing
Exactly which card to use for each category.
Caps & overflow
Know when you've hit a bonus cap and what to use next.
Miles optimization
Tuned to the programme you actually collect.
Cashback optimization
Maximise expected cashback on your spending.
Bank relationships
See when moving deposits changes the economics.
FX traps
Know when overseas fees wipe out your rewards.
What-if analysis
Model purchases and new cards before committing.
Always current
Card rules are updated centrally as banks change terms.
Your wallet. Not an affiliate leaderboard.
Recommendations are based on the information you give us and the card rules in our database — not on which bank paid for placement. If we ever earn affiliate revenue, it will stay clearly separated from what we recommend.
Stop guessing at the checkout.
Set up your wallet once. Know which card to tap everywhere.
Built for Singapore credit cards.